Minimum Opening Deposit
A $50.00 deposit is required to open this account.
$50.00
Monthly Service Fee
This account has a $7.00 monthly service fee. This fee can be waived if you make at least $500 in deposits OR initiate 8 transactions (including deposits, withdrawals, and transfers) per statement cycle.(Your FindABetterBank estimated annual fee assumes you will meet these requirements.)
$7.00
Debit Cards & Using ATMs
Debit Card
$0.00/yr
Non-affiliated ATM Usage Fee
There is a $3.00 fee each time you use a non-affiliated ATM.
$3.00/per use
International ATM Usage Fee
There is a $5.00 fee each time you use a non-affiliated ATM.
$5.00/per use
Electronic & Telephone Banking
Online Bill Pay
Free
Mobile & Text Banking
This institution supports:- A mobile-browser website to view account balances, view recent activity, transfer funds, pay bills, locate ATMs;- An iPhone and iPad application to view account balances, view recent activity, transfer funds, pay bills, locate ATMs;- An Android application to view account balances, view recent activity, transfer funds, pay bills, locate ATMs;- Text alerts for security messages, balances and account activity, and bill pay;- A BlackBerry application to view account balances, view recent activity, transfer funds, pay bills, locate ATMs.
Free
Deposit Checks with Mobile Phone
This feature is available on iPhone, iPad and Android mobile application.
Free
Email Alerts
This Email Alert feature enables you to receive:- Warnings when your balance falls below a certain threshold.- Notice of deposits or withdrawals over a certain threshold.
Included with Online Banking
Automated Phone Banking
There is a $0.75 transaction fee each time you use the automated telephone banking service after the first 8 transactions per month.
$0.75/transaction
Checks & Statements
Unlimited Check Writing
Yes
Free or Discounted Checks
No
Monthly Paper Statements
There is a $3.00 monthly fee to receive statements by mail. Enroll in E-Statements to avoid this fee.
$3.00/month
Check Images with Statements
You can choose to receive images of canceled checks in monthly statements for an additional fee of $3.00 per month. Check images are optional with paper statements.
$3.00/month
Online Statements
Yes
Online Check Images
Images of canceled checks can be viewed online.
Yes
Overdrawing the Account
Negative Balance Fee
There is a $32.00 fee for a negative balance after 5 business days with less than a $0.00 balance.
Yes
Initial Returned Item Fee
The Insufficient Funds Fee is $33.00 for the first 2 overdrafts and $38.50 for subsequent overdrafts every 12 months.
$33.00/per item
Overdraft Protection
This checking account has 4 options for Overdraft Protection.From a linked Savings Account:-No Transfer Fee- Funds are transferred in fixed increments of $100.00.From a linked Credit Card Account:- Transfer fee of $10.00. The transfer fee is charged per day;- Funds are transferred in fixed increments of $100.00.From a linked Cash Reserve Overdraft Line of Credit:- Annual fee of $30.00;- Transfer fee of $10.00. The transfer fee is charged per day;- Funds are transferred in fixed increments of $100.00. From a linked Preferred Credit Line:- Annual fee of $50.00;- Transfer fee of $10.00. The transfer fee is charged per day;- Funds are transferred in fixed increments of $100.00.